The First National Bank at St. James

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.fnbstjames.com

507-375-3376

202 1st Ave S
Saint James, MN 56081

The First National Bank at St. James is headquartered in SAINT JAMES and is the 228^th largest bank in the state of Minnesota. It is also the 4,322^nd largest bank in the nation. It was established in 1934 and as of March of 2025, it had grown to 11 employees at 1 location. The First National Bank at St. James' CD rates are 3X the national average, and it has a B health rating.

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Health

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. The First National Bank at St. James has a low asset base.

Health Grade Components

Overall
FDIC Certificate #	14853
Year Established	1934
Employees	11
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.63%
Return on Equity - YTD	8.05%
Annual Interest Income	$523K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$37.6MM$37.2MM
Loans	Q1 2025vs Q1 2024	$24.4MM$23MM
Deposits	Q1 2025vs Q1 2024	$34.5MM$34.3MM
Equity Capital	Q1 2025vs Q1 2024	$3MM$2.8MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$352K$368K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$21K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.31%

Our Rating

4.0 / 5

Vio Bank

Cornerstone Money Market

See Offer

Sponsored Note: Interest is compounded daily, growing your money fast

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

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The First National Bank at St. James CD Rates

APY	MIN	MAX	ACCOUNT NAME
3.50%	$500	-	182 Day CD
2.75%	$500	-	12 Month CD
2.52%	$500	-	36 Month CD
2.52%	$5k	-	36 Month Variable CD
2.02%	$500	-	18 Month CD
1.51%	$500	-	30 Month CD
1.26%	$500	-	24 Month CD
0.10%	$500	-	91 Day CD

The First National Bank at St. James IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%	$500	-	12 Month IRA
2.52%	$500	-	36 Month IRA
1.26%	$500	-	24 Month IRA

Locations

The First National Bank at St. James Locations
The First National Bank At St. James	202 1st Ave S	Saint James, MN 56081

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